112 BETH STREET, PANAMA CITY BEACH, FL, 32407
Active158 days on marketListed Mar 12, 2026MLS #TB8484103
About this home
112 BETH STREET
our opportunity to own a piece of Panama City Beach starts here! This cleared residential lot offers the perfect canvas for building a primary residence, vacation getaway, or investment property just minutes from the beautiful Gulf Coast beaches. With the property already cleared and ready for construction, you can save valuable time and potential development costs. Utilities are available nearby, making it convenient to move forward with plans for your future home or investment. Enjoy the freedom of NO HOA, giving you greater flexibility when it comes to designing and building your ideal coastal property without HOA fees or restrictive association rules. The location puts you close to everything Panama City Beach has, including shopping, restaurants, entertainment, and popular destinations such as Pier Park. Outdoor enthusiasts will appreciate easy access to St. Andrews State Park and an abundance of recreational activities, including boating, fishing, water sports, parks, and the area's beautiful Gulf beaches. Whether you're ready to build your forever home, create a vacation retreat, or add a property to your investment portfolio, this lot offers an exciting opportunity to enjoy the relaxed coastal lifestyle that makes Panama City Beach such a sought-after destination. Don't miss the opportunity to secure your own buildable piece of this growing beach community!
Facts & features
The home at a glance
0.24 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,409 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,409/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Panama City Beach
Get to know Panama City Beach. See the full Panama City Beach guide →
PANAMA CITY BEACH 32407 — neighborhood snapshot
Population
15,459
Median age
38.7
Median income
$79,052
Median home value
$403,500
Avg household
2.32
Households w/ children
1,853
For the school run
Bay County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Panama City Beach market
$102K → $397K
Panama City Beach median sold, yr/yr
99.9%
Sale-to-list ratio (12 mo)
Median sold price, Panama City Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% below the PANAMA CITY BEACH 32407 median. See the full Panama City Beach market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 112 BETH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 112 BETH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
112 BETH STREET FAQs
What would the monthly payment be for 112 BETH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,409/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 112 BETH STREET?+
The most recent tax bill on record (2025) was $937. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Panama City Beach?+
At $185,000, this home is listed about 48% below the Panama City Beach median of $353,500. The market section on this page shows how the area is trending.
Which schools are assigned to 112 BETH STREET?+
Breakfast Point Academy (elementary), J.R. Arnold High School (high) — Bay County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PANAMA CITY BEACH 32407 market on paper
$185,000 is 40% below the PANAMA CITY BEACH 32407 median of $309,905.
02Time on market is leverage
158 days on market against a Panama City Beach median of 17 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $250,000, now $185,000 — a $65K cut. The full history is in the market section below.
Listing courtesy of NOVA REAL ESTATE GROUP · Stephanie Mitchell. MLS #TB8484103.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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